Sezzle Reviews
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About Sezzle
Sezzle is a U.S.-based fintech company founded in 2016. Instead of traditional credit, Sezzle offers "buy now, pay later" (BNPL) payment plans and monthly subscription services with added benefits. It aims to help customers better manage their spending and achieve financial freedom, according to the company.
Visit sezzle.com- Interest-free payment plans available
- Works with over 40,000 merchants
- Instant approval decisions
- No hard credit checks that impact score
- Down payment required on some plans
- Charges service fees for some orders
Sezzle Reviews
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- 4,919,150 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed Nov. 18, 2025
I used Sezzle for an order that totaled $35. I applied $15 of Sezzle Spend promotional credit. Later, part of the order was refunded, making the new total $18.54. Instead of applying the $15 credit toward the adjusted total, Sezzle used an undisclosed internal policy to reverse my promotional credit, shift my installments around, and then charged me $11.51 on my credit card and moved the remaining balance to my debit card. I ended up paying over $21 for an $18.54 order, even though I had applied $15 in credit.
Nothing in their Terms of Service explains that partial refunds would remove or reassign Sezzle Spend. In fact, my account still showed the $15 credit applied, which contradicts their claim that they “reinstated” it. There is no publicly visible policy explaining why a consumer should be charged more after applying a promotional credit.
When I asked customer support, the agent told me to “close my account” instead of helping. When I filed a BBB complaint, Sezzle refused to address anything publicly and repeatedly claimed they contacted me hours before they actually emailed me (I have timestamps proving the difference). They hid behind “privacy concerns” to avoid answering the BBB’s questions.
I then filed a complaint with the CFPB. Sezzle responded with the same copy-paste explanation, repeating internal policies that do not appear anywhere in their published terms. They stated they acted according to federal and state laws but still refused to correct the overcharge or follow their officially disclosed refund rules. After the CFPB closed the case with “explanation,” I disputed the incorrect credit-card charge myself. I also closed my Sezzle account because this platform does not operate transparently and does not disclose how promotional credits are really handled. In short:
– I was overcharged.– Their refund logic is not disclosed anywhere in their terms.
– Support told me to delete my account.
– They misrepresented communication timing to the BBB.
– They refused to address the issue publicly.
– CFPB complaint resulted in another copy-paste explanation.
– I had to fix the billing error myself.
If you are considering Sezzle, be aware that their promotional credits and refund policies are not transparent, and you may end up paying more than the adjusted order total. I will not be using this service again.
Reviewed Oct. 23, 2025
I used Sezzle in the past with over a dozen paid on time purchases, but a recent order proved to be devastating as they are laden with hidden fees as well as not accepting debit cards to any payment except the first. I always paid with two cards and now without a bank I have to load the Sezzle App. Get charged $4.99 to do so and then I realized that if I didn’t load their app the cards would not be used to draw the payment causing a late fee so they are making money hand over foot. None of this information was made known and it just came out of the blue. What makes thing so terrible is almost a month later the store I purchased from still haven’t sent out the product. I WILL NEVER EVER USE SEZZLE AGAIN UNDER ANY CIRCUMSTANCES.
Reviewed Oct. 20, 2025
Sezzle has been contacted multiple times via online support as well as by phone which no one ever answers. They deducted a payment and cancelled an order they refuse to take accountability for or refund, even with provided documentation and screenshots. As an avid Sezzle user, I'm deeply disappointed and out of $84 with no solution. My next step is disputing with the bank!
Reviewed Oct. 1, 2025
Do not use this service unless you like hidden fees and terrible customer service where all they do is ignore your question till it's too late and then send you snippets from other locations that you can read yourself. They do that over and over and NEVER ACTUALLY HELP!
Reviewed Sept. 25, 2025
They charge me a 1.99 late fee for not having two accounts! They have my checking account, why do they need a savings account also. I've never been late! They still charge 1.99 every payment because they don't have 2 accounts? Is this legal? We'll see because I'm reporting them to the BBB. Good luck, scammers.
Sezzle Company Information
- Company Name:
- Sezzle
- Website:
- sezzle.com